Professional Documents
Culture Documents
INTRODUCTION
What is Bank:
This word “bank” has been derrived from the word “banque” or bancus means bench,
officefor the observance, lending and exchanging of money . “ Some authorities have the
view that Bank is derived from the Germen word which the meaning of joint stock
fund.”The bank is an organization that collect money from one perssson and give to the
other person (Governmental, individual person, businessman). Bank collect and give
money on interest . Banks are differentiate according to their scope of activity;
Types of banks:
Comercial banks.
Industrial banks.
Agricultural banks.
Saving banks.
Exchange banks.
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Central banks.
Cooperative banks
Comercial banks:
Commercial banks perform the routine duties of banking system. This type of bank
collects1the money from1the people and invest this money as a loan for
collecting deposits.
History of banks:
Bank is very ancient; history of bank is drawn from first as 2000 B.C. This word used to
kept money of the people in temples. Early peoples used to keep strong mattle safe to
safe the money and other value things of the people. People which have more money
kept their money in these safe. That is the first reign in the histor of bank .
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Later on this reign people began to give receipts for their money which they deposited in
these safe. “These receipts were used in payment of debt”. That was the 2nd reign
When people realized that they have more money from their use then they start giving
their money to some business mans and trders who need and they request for loans to
investment purpose. This is a new business which popular speedly and peoples get more
profit and they do not charges interest on their money because thry want more customer
therefore they give interest mony to depositors they do that for attracting peoples . That
These business man have strategies to allow them to take his extra money which meet the
consumer’s needs. “This facility is called overdraft and they used to keep some portion of
money for this purpose.” After a long while there was many problems and confusion in
solving some banking problems .That failure reason to their part of money taker to
For solution of this problem now people realized that their should ba institution that
called bank which also control the banking system. For this purpose a conference is held
that overcome all the problems of banking activities are banking sector.
“The first bank was establish in Geneva in 1587 Later on many other banks were
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History of HBL:
The Habib Bank Ltd is a no one bank in Pakistan. A great network of over “1600”
country branches that are greatest in Pakistan and 55 international outlets has enabled
Now a days HBL performing a back bone role in Pakistan's financial and economic
growth. “It has come a long way from its modest beginnings in Mumby on August 25,
Quaid-e-Azam Muhammad Ali Jinnah impressed its first performance and requested this
Bank totransfer their banking operations in Karachi after the independence of Pakistan.
HBL established their head office in Karachi on August 7, 1948 and they become a sign
of pride for the pakistan and its better performance become pride for the peoples of
Pakistan.
HBL has been a producer in providing new banking facilities. These are the firs bank
which install the first processor computer in banking sector of Pakistan in which they
install the first ATM machine in pakistan and recently “internet banking services in
HBL long occurrence in Pakistan's financial , economical and commercial life that they
has remain un chang till the last years. “The strength of its brand is represented by its
HBL Management have greater result which continue help out to build their track record
and their quest for brilliance they try to complete the needs of their customers and their
employees for both. At HBL their goals to ensure their customer’s pleasure by giving
them high quality and better facilities of bank. That was possible with the skill of their
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employees which get better skills through training and motivationa lectures these lectures
are very help full for betterment of their employees they give their full potential at their
Values of HBL:
Integrity:
“Integrity means a synergic approach towards durability ofour core values. United
with the force of values and integrity, we form a network of a well united team”.
Meritocracy:
get a better level for good performance at any place of the world this is an
Team Work:
“Our team strives to become a cohesive force to offer your customer good level
of service beyond your expectations.” HBL get this force from participating in
different evenys which are socially organized im organization like training and
collective team efforts and attempts theres a common goals that give spirit to
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Innovation culture:
HBL have aim to be a step forward looking towards new and innovative ideas
and giving respect and reward to the employees and leaders of their employees
GOALS OF HBL:
To use private and public savings rate to provide a partial Organization and
proven to be promoting industry, agriculture and the social and economic order
Relief under that areas of development and create employment opportunities for
the people, especially in rural areas of countries continue to guide and lead the
people of Pakistan foreign serve effectively, and profitably invest foreign reserves
Create a sound file to use the money to invest in existing and new groups
Some cabinet portion of the land in the capital market of Pakistan and local
subscribers nations resources in the stock exchange of the country and eventually
paving the way for establishment of the stock market in the country.
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When HBL Barnala Branch is Established:
This Branch was established in 2014 to facilitate business community in Barnala, and
provide a list of general banking for citizens and nearby areas .It is an on-line bank.
Branch detail:
This brach located in main bazar of Barnala . Thats why it is a ver busy branch .branch
manager’s name is Mr Zafer Iqbal its operational manager name is Mr Qasim ali and
teller name is miss tuba yaseen. 2379 are the branch code .
Chapter 2
BASIC FUNCTIONS:
Acceptance of deposits:
a. Current account
b. Saving account
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Advancing of loans:
b. Cash credits
c. Provision of karze-e-Hasna
Agency functions:
Collecting of cheques.
Handling of Pensions
Making of drafts
Presedent or CEO
Board Of Directors
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Head of all departments
Vice presedent
Grade 1 oficer
Grade 2 officer
Grade 3 officer
Clerical staff
Board of Directors:
Name Designation
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Nauman K. Dar President & CEO
SajidZahid Director
Management:
Name Designation
Mr. Nauman K. Dar President & CEO
Mr. AamirIrshad Head - Corporate & Investment Banking
Mr. Abbas Hasan Head - International (Europe, Middle East
& America)
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Officer
Mr. Anwar Zaidi Head - Financial Institutions & Global
Trade Services
Deposit section.
Clearing section.
Remittance section.
Accounts section.
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ACCOUNT OPENING SECTION:
Opening of an account:
There are various requirements that are to be checked for opening a current or saving
Application Forms:
The customers fill this Form. It is a popular request from a customer to the bank to allow
Signature of customer:
When the Bank show about customer bank has agreed to open account. The bank officer
The Banks of the current account and please Saving Account in open surgical Rs1000
This amount is the perfect balance to keep account holders in the Bank.
Account Operating:
“When account is opened in Bank, then Bank gives check book and passbook to the
customer”.
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Withdraw his money:
Withdrawal is conduct by the Bank. A new checkbook is issued when the existing
check1book ends only with 1 receipt of the application check attached to the checkbook
issued earlier.
Interest:
The interest rate is allowed on deposit in the saving of bank accounts is necessary in the
Bank. This rate is able to change. The amount of interest is calculated for each calendar
month in the lowest credit balance of an account between the close of the first day of a
month and the end of the month and only in each full sum of ten rupees.
Each account has the interest calculated as above is added to the balance of each account
as of December 31.
Account transfer:
The account can be transferred to any HBL branch without charge. If a customer wants to
transfer his account, he returns his pass book in person or sends it to the Bank and writes
Account closing:
It is simply done by letter or request to close the account, the unused check are also
returned at the same time. Trade is the transfer of the ownership of goods or services
from one person or entity to another exchange for other goods or services or for money.
Seceracy:
The secret of the account of the client is the responsibility of all official service of the
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Saving accounts:
Savings Account is an account in which a customer gives his or her extra money or funds
to the banks that he or she saves from their travel expenses. This account can be
initialized giving a small amount of Rs. 1000. The lower age of interest is applied to the
Current accounts:
The checking account is that account that the client gives his daily checks and is operated
Any check can be given by the account holder for withdrawal or for payment. No interest
JOINT ACCOUNT:
A joint account occurs when two or more of two customers have an account. People in
This account is operated by a person, firm or organization depositing Rs. 1000 or higher.
This account holder will get profits out of their amount, or the account holder will take
care of the loss as this case may be so an individual is a participant in profit and loss. The
holder of this account can withdraw up to Rs.15,000 per month in case of higher
withdrawal seven days notice is necessary, but in practice have not seen it. This type of
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In that account an amount is deposited in the Bank for a fixed period of time. This fixed
period can be three months, six months, one year, two years, five years or more. The
Bank allowed a higher interest rate for a longer period of time. At the time of operating
an account the Bank issues certificates of deposit for the period in which the customer
can withdraw their amount before the specific time period but the excess profit paid at a
higher rate and the Bank will give loan against this certificate. The Bank is obligated to
pay interest on this account on the due date is monthly or quarterly or six months or
annually.
Deposits section:
Two main types of deposits, ie "current and savings". There are different shapes present
In the above mentioned forms, the bank makes an agrement with his depositors.
Clearing sections:
Each Bank plays the role of payment and reception functions. Check the collections that
are drawn by banks for customers. Similarly, checks carried out at different banks and
deposited by the banks' own customers for collection within the city are known as
compensation. The reception and payment functions are performed mainly through the
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representatives of all banks meet to liquidate receipts and pay checks drawn from one
another." The Compensation Department provides the facility that can be specially
i Outward clearing
ii Inward clearing.
Transfer cheques:
These checks that are collected and paid for by the same HBL branch Mr. Javed is an
HBL customer of any branch and draws a check in favor of Mr. Nauman who is also the
The checks that are charged by two different branches of a bank that are in the same city.
For example, a person issues a check to B.o.P. Main branch, Gujrat in favor of any other
When the beneficiary and the cashier of the check maintain their account in different
The bank can collect cash by sending its representative bank with checks. Not a
better way.
second. The Bank maintains an account with the paying bank do.
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Checks can be exchanged by customer representatives who meet at a fixed time
checks.
The check is to collect from the customer and pay the money against your check
if the person is the regular customer of the bank then they collect the check
without any question if the customer is an outsider then all legal requirements are
full.
Place the methods of payment of checks on the branch and give for collection to
any other branch of HBL or any other member or member of the local clearing
house.
Procedure of clearing:
Customers are provided with In-slip payment arrangements every time the customer
wants to pay any checks that are filled with slip and deliver the counter along with the
instrument.
Remittance section:
That means the transfer of money or funds from one place / country to another place /
Inland.
Home.
Inland:
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Inland means a transfer of money or funds payable within the country. Can be classified
as low
Within locality.
Outside locality.
Within locality:
When a branch located in Gujrat is obligatory to send the drafts to any other branch that
are in the same city this process is known as within the locality eg HBL Main Branch
Outside locality:
Outside the locality is a type of interior, its means that the money transmission outside
the city. That is, HBL. The main branch Gujrat sends any checks to that branch which is
Demand draft:
Draft demand is a written order form by a branch of a specific bank drawn in another
branch of the same bank to pay money only to the order of the beneficiary's demand the
drafts are bought by the client and after receiving the money from the Bank Issues and
delivery. The customer who sends it to the recipient. In D.D the Banksdo does not
recover the charges as it is payable by the client. The Bank after the delivery of D.D. The
client also sends its own board called IBCO (Inter Branch Credit Order) to the branch
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office, mentioning all the details of the draft isued. Now the banker's check payble any
whare in Pakistan.
Account section:
Any business organization in matters of money. The bank also negotiates the money and
more about the money of the sincethe belongs to the depositr therefore, it is of
Banks are commercial organizations and their main objective is to make profits therefore,
then the record of all income and expenses are kept correct. The system inculdes
ecnomic, political, social, cultural and technological system that are in operation in any
country.
In H.B.L. The obligation to maintain the necessary accounting data and maintain updated
Banks do their routine work and trade in money that belongs to their depositors. The
accounting records.
Account termenologies:
“The accountsdept maintains all the accounting records properly there are definite
Account:
called an acount.
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Vouchers:
General Ledgers:
Subsidery ledgers:
Where a main headoffice has got differentsub-head ofice its subsidiary ledger are
maintained.
Vouchers register
Transfer bookregister
Payingcashier book
Supplementary sheets
Differentvouchers
“During the daily business of the branch, a number of cheqes are presented by customer
for cash payments cheques at the counter also new accounts are opened and cash is
deposited by the customers. “New vouchers are passed by thebranch by debiting, one
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Ensure thatduring the day all the transactionshave been recorded and theyare complete in
all respectsand are recorded inproper books by thebranch the record is doneon daily basis
Balancing of a book:
Balancing the cash bookmeans all the transactions haveproperly been recording and there
1. “During thedaily business of the branch, a number of cheqes are presented by customer
for cash payments cheques at the counter Also new accounts are opened and cash is
deposited by the customers New vouchers are passed by the branch by debiting, one
Ensure thatduring the day all thetransactions have been recorded andthey are complete in
all respectsand are recorded inproper books by the branchthe record is done on daily basis
andmaintained by accountsection.
1. Voucher arangements.
2. JRC preparation.
3. Summary preparation.
Preparation of statements:
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“To check the performance of branches the Head Office requires statements from them
Through these statements the top management watch the progress of the branches and
Chapter 3
functions.
Commercial Banking.
Corporate Banking.
Investment Banking.
Retail Banking.
Islamic Banking.
Comercial banking:
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“Organizations operating in the middle market contribute knowingly to the economy of a
country traditionally this sector was the grip of HBL’s business during the early 90s, with
They not only knew themarket but were also awarewith the shortcomings of HBL. Under
the newset-up, they were intelligentto address these shortcomings andbegin to target
was created tofocus on the business needsof the central marketcustomers. “On November
Goals:
The strategy accepted toachieve the above objective wasto position Commercial Banking
section asthe “Trade Finance Bank” for itscustomers. The basis behindthis strategic
Commercial bankingincludes:
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Running Finance ( Working Capital requirements)
followingresults:
“Our strategy has allowed us to attain our first objective the trend ofloss in our
market share has been reversedWe now would be looking at rescue our market
share”.
Commercial Banking is making progress with improvement not only in terms of the
business figures but also in its environment. Renovation is being carried out in order to
CORPORATE BANKING:
Corporate Banking Group helps large institutional and business customers in Pakistan
through 10devoted corporate bankingcenters in all major cities. The CIBG portfolio
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contains of mostof the major names inthe market and denotes all major industry groups,
Corporate Banking isknown as a market leaderdue to its unique ability tomeet the entire
financing needsof the major corporate and it’s large networkand particular teams are able
providing value addingservices to the customers, e.g. staff andcash management services.
branch network and now delivers such services to a range of large and averagesized
our riskmanagement.
Investment Banking:
RETAIL BANKING:
extensivereach in all physical locations urban and rural through the countrydelivers
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delivers HBL with thlargest spread low cost deposit base of any bank in Pakistanand
methods the basis for many of its othercommercial lines: corporate and asset banking and
treasuryactivities.
HBL is the only majorbank to have a very devoted group to serve the Small &Average
Enterprises (SME) sector. HBL trusts that the SME sector can be anmachine of growth
for the economy and signifies an area ofopportunity for the Bank. RBG was therefore
systemized basis. It now covers 25 divisions in the six major industrial cities of Pakistan.
The Group nowworks carefully with its customerswhich cover all sections of the
economy counting the textile sector, vendors and dealers tostructure the finances and
recover their capabilities. We havebeen very encouraged by the outcome that repeats its
growth, theGovernment has also stirred towards an enabling controlling framework and
outline toenable the development of a coverfinance market. With its wide branchnetwork
and large customer base, HBL has ancentral role to play inhe development of this sector
of the reduced inwhich it expects large growth in the next five years.
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Personal loans,
Financing on cars
insuggestion with major suppliers of consumer products. These have been fine received
and volumes have been building up progressively. It is the purpose of HBL to be a leader
in consumer financing. Devices are also ongoing to develop loan financing for the
housing sector. Trade exists for man due to specialization and division of labor, in which
most people concentrate on a small aspect of production, trading for other products.
Agriculture ismost important donor to Pakistan’s economy. HBL, which has been a
leader in agriculture financing,plans to rise further its credit to thissector with a specific
focus on providing a broader range of products to small and medium size agriculturalists.
In this regard, to provide flexibility, the “Haryali scheme” for farmers was
presentedwhich is a 3-year rotating facility rather than theold-style short term seasonal
updating theirfarming techniques. The Govt has also provided a regulatory background to
encourage corporate farmingand as this grows the participation inthis sector. Will grow
even further. While HBLcontinue to develop its products, we know that quality of
customer service willbecome an even betterdistinguishing factor in the market. HBL have
taken a numberof creativities in this area; investing in technology, exercise and upgrading
of its divisions. Extendedbanking hours andbetter services for utility bill expenses have
chances for growth, and westrategy to use this to soon deliveradditional services,
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Islamic banking:
The Bank of Khyber hasfull the first step towards Islamicbanking and forthis purpose an
Islami banking separation has been established tocomplete the needed regulatory and
specializedbranches.
Mission of HBL:
international bank in the emerging markets, providing our customers with a premium set
of innovative products and services, and granting superior value to our stakeholders
Chapter 4
BANK DEPOSITS:
“Deposits are to the bank as a support is to the body of a manThese are the lifeblood of
the bankHABIB BANK LIMITED and all other commercial banks perform the purpose
of deposit accepting from the overall public by offering appropriate rates of interest on
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“After entering into bank buildings the person goes through the following stages for
AN INTRODUCTION:
The first main stepto take place in bank is to get acceptableintroduction of the person,
In HBL Barnala Branch the branch manager takes great careof this step and gets
presented with the personhimself. His main aim is todetermine the prospective
Clients signature:
“Now the person is providing with an application form recognized as Account Opening
i.Account title
v. Introductory reference
“In addition to this the customer is essential to attach a copy of National Identity Card
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Specimen signature card:
Specimen of signatureswill be got from depositor atthe time of opening his account. A
speciallydesigned card remains used forthis purpose; the card must b witnessed by an
Now the name of thecustomer will be famous in accountopening register, and from here
the accountnumber of the client will bewritten on account openingform and signature
card.
The cheque book will be issuedto all customers. Cheque book consistsof 10, 25, 50, or
100 pageswhich depend upon customerdesire. Customer can withdraw his money by
The operation managerrecords the name and amount placed in thebank into GL. Different
i. Current Account
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When the customer deposits their money, the amount is credited to the general ledger and
the withdrawal is a debit entry into the ledger. Now-a-Days all voucher posting isdone by
1. Current accounts.
2. Saving account.
4. Freedom account.
5. HBL ID account
CURRENT ACCOUNTS:
demand.
The goal is to serve the entrepreneur. For business form No. 53 is providedit is a legal
4. The bank performs the duty of custodian of the money of its client
5. The customer can withdraw his money by check made by the bank.
SAVING ACCOUNTS:
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Its main purpose to provide the bank with no interest in Pakistan savings account was
2. To withdraw a large amount from this account a brief notice of 7 days to the bank is
3. There is a small interest in the money deposited according to the banking policy.
This type of account is the main source of investment for banks. This account is better for
those people who have a lot of money and do not need this amount in the future. The
money is deposited for a fixed period of time. The characteristics of this account are:
2. The amount of interest can be obtained after each month or quarterly, six months.
3. The longer the time period, the higher the rate of profit.
4. A receipt is given for the amount deposited to the customer that is called the fixed
deposit receipt.
5. Period of time for the deposit can be vary from 3 months to 10 years.
6. The amount can be with the draw before expiration after submitting the interest.
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Chapter 5
LOANS & ADVANCES
In HBL the following lending facilities are available for its customers:
General Products:
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Habib Bank Limited focuses on small and medium-sized enterprises. This section is the
traditional HBL grip with established experience and market knowledge. The original
form of Trade was barter, the direct exchange of goods and services for other goods and
services. Units dedicated to their services to small and medium enterprises that are in
managers with deep market knowledge. These managers support existing relationships
EXPORT FINANCE:
“That is provided to those people which produce those products which meet universal
standard and they can export their products to others country and earn profit in the form
of foreign exchange.”
IMPORT FINANCE:
Demand Finance for medium term loans for capital expenditure and Leasing for
GENERAL PRODUCT:
Letter of Guarantee
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Mobilization Advance Guarantees
There are many accounts and services to help you manage your money.That are
following:
• Current Accounts that are not of interest take into account your regular banking needs.
• Habib Bank Easy Access for "online banking" in real time at commercial points for the
transfer of online payments from the customer.
• Habib Bank Limited has launched "HBL e-bank" which allows 24 hours access to
accounts through Internet banking.
• ATMs that add more suitability, customers can also use the ATMs of any bank.
Chapter 6
Everything was new to me at Habib Bank Limited, although I have learned a good
knowledge of the teachers, but it was totally different from banking practice. But with the
The most important thing I learn from the bank is the difference between the behaviors of
the officials. And also learn the clerical work of HBL as below.
I spent the week in opening section account. Area where I did my internship, people are
not well educated that is why every time a new client will come to open an account that
the manager of the operation referred that man or woman to me. Trade is a value added
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function: it is the economic process by which a product finds its end user, in which the
That I guide that person and how to open an account is filled by me and the entire legal
requirement is completed by me. In the past Habib Bank used an anold form type but is
now using a new way to open an account. Five signatures were required to open the
account.
CLEARING SECTION:
In the clearing section the checks of the different banks are collected and this verification
is cleaned following the method first make two copies of the application and one is
attached by check and a copy is stored in the OBC file (Collection of the external
invoice) . When the related bank receives this check, that the money in account hbl.
REMITANCES SECTION:
In this section I also learned how to transfer money from one place to another. In this
section I learned,
1: DRAFT DEMAND.
2: ONLINE TRANSFER.
If the account of the recipient is the account of the freedom then the commission is not
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Chapter 7
SWOT ANALYSIS
The word SWOT means "the internal strengths and weaknesses of the company and its
external opportunities and threats". The purpose of this analysis is to take advantage of
the strengths of the company to achieve opportunities and threats and to correct the
weaknesses of the company. The SWOT analysis is based on statements that if managers
carefully analyze such strengths, weaknesses, opportunities and threats, a policy will be
opportunities and threats are taken by the external environment of an organization. The
following summarizes the internal and external analyzes of HIBIB BANK IMITED:
INTERNAL ANALYSIS:
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HBL's internal analysis is the analysis of its strengths and weaknesses. Unless HBL has
internal strengths and controls its weaknesses, it can not seize the opportunities and omit
the threats posed by the external environment. The following are the strengths and
weaknesses of HBL.
STRENGTH:
Strength is defined as that area in which a company performs better than someone or a
feature that puts the advantages of the company compared to its competitors. HBL have
1. Habib Bank is a well-established bank that enjoys a long history of experience and
profitable operation.
2. HBL is the leading private bank in Pakistan now one day and people rely on it very
high.
3. Has the network of main branch mong various private banks of Pakistan
4. HBL is the market leader in electronic banking and has the largest e-banking network.
5. HBL has artificial strategic alliances with international banks to increase its network
6. Excellent branches look give an advantage to HBL over other banks. Branches are well
WEAKNESSES:
A weakness defined as an area within an organization where the organization does not
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2. HBL is Pakistan's second largest bank, the fact is that it is not a market leader like
NBP. The total assets of HBL are lower than the assets of NBPtotal.
3. It is now a private bank so government support for HBL has declined as it has in the
past.
4. Employees in branch offices are not properly motivated to work with the heart. They
5. Employees can not work efficiently because they have time to come, but they do not
6. In the branches of the employees are less, while not the customers are more finally and
EXTERNAL ANALYSIS:
An organization has kept its environment constantly to the knowledge of the new
developments and changes in the environment. A change in the external environment will
be an opportunity or a threat. In this case, the organization must use its strengths
appropriately to obtain the opportunities and avoid the negative effects of the threats.
OPPORTUNITIES:
maintained with the strengths of the organization, will translate into better sales, market
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2. You must establish your branches in small cities are cities because most people live
abroad and earn money and need a source through which their family members can make
money.
3. If foreigners have their accounts in local branches, they send money to their accounts.
4. HBL should expand its branch network in many countries by highlighting the
THREATS:
Threat is defined as a change in the external environment that if it does not occur with
appropriate strategies will result in the loss of market share of profits or income. The
1. The fees that are taken by the customer in different activities are more than that is why
2. The trained and specialized personnel are less at the executive and officer level.
4. Foreign banks provide more attractive and efficient services to their clients.
5. Other commercial banks have a good return that is a threat to HBL like Bank Al Habib
& MCB.
6. Low discount rates also negatively affect the types of advances that may affect the
profits of banks.
PROBLEMS I SOUGHT
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During my six-week stay at HBL Barnala Branch, I encountered several problems, which
should be solved for the Bank's better functioning. Some of these problems are:
PROBLEMS:
1. There are alack of employees performing different work as only a cashier who works
with the full effort but heor she is a human not a machine.
3. In the beginning and end days of the month there are a lot of clients, which causes
discomfort for the interested official and for the Workshop as well.
RECOMMENDATION:
Recommendation I suggest:
I will make the following recommendations for the best function of the Bank:
2. Daily newspapers should be provided to both employees and customers visiting there.
6. The promotion and transfer of the employee should always be done on merit.
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